Market Spotlight

Self-employed individuals face a number of challenges independent of “running their business”.    One of the greatest challenges is selecting a retirement plan that meets the unique needs of their company.  Until recently, self-employed workers were limited in the ways they could shelter their income and save for future goals.  Most…

The fact is, neither is necessarily best but the good news is that both are good; the type you select should be determined by individual circumstances and retirement objectives. For example, most people are aware that contributions made to a Traditional IRA are Federal Income Tax deductible, subject to specific…

In recent years Equity-Indexed annuity sales have hit record levels. That’s a result of investors pur-chasing these annuities without fully understanding the complexities of their contract. Given the scars of past market volatility, the promise of principal protection with potential for growth is appealing to many people. Insurance companies which…

Watching the Griswold’s in “Christmas Vacation” last week reminded me it’s that time of year again to take a closer look at some often overlooked year-end planning strategies for families and businesses. There were a number of tax law changes in 2013 that have added increased complexity to an already…

November is here again. My six year old son has now started asking the same recurring question: “Mom, when am I getting my ‘Benjamin’?” His birthday is in November, and the ‘Benjamin’ is you guessed it, a $100 bill. Yes, my son is looking for his cold hard cash. He…

According to Webster’s dictionary, Insurance is defined as coverage by a contract, whereby one party under-takes to indemnify or guarantee another against loss by a specified contingency or peril. To me, it is important that Americans understand the outright definition of what it is that they are dealing with now…

The Case-Schiller 20-City Home Price index rose year-on-year at plus 12.3 percent to reach a new recovery high. Looking at individual cities, strong gains in the west are leading the recovery. As home values increase, so to does the equity in everyone’s home. This appears to be encouraging some formerly…

Many investors rely on the “wall of worry” theory but markets eventually get winded from such a climb. Keeping that hackneyed saying alive, pundits and Wall Street brokers keep pointing to a positive long-term outlook, pushing stock prices ever higher. But keep in mind, earnings have been contracting for several…